Deep Retail Discounts Make Short Term Loans More Effective

Retailers and the Christmas Season

Short term loans are more effective than ever as consumers begin spending again. The Christmas season is here and many retailers are worried that people won’t be spending. Since the recession, people have been particularly tight-fisted with their money. The recession began over a year ago and in that year, people have become more and more accustomed to saving, rather than spending. Frugality is the word that best describes this Christmas season’s buying style.

Retailers know what they are up against this holiday season. They know that without some serious discounts and savings, they won’t have much revenue to enjoy. That’s great news for consumers. It means that they’ll find coupons, discounts, and specials everywhere they look. If you want a particular toy, don’t buy it at the first place you find it. Instead, do some comparison shopping and see if you can find a better deal somewhere else.

Savings are huge this season

The great news for anyone with a budget is that there really are savings to be had. Here are just some of the stores to pay attention to over the next three weeks:

Target. Target is one of those stores where you can get anything you want. In particular, the Super Targets are hot. Now that it’s Christmas, target has tons of specials and deals, both online and in-store. For example, if you go online to Target.com you immediately see an offer for free shipping. They also offer a 15% discount for purchases over $125. If you browse through their store, you’ll find many individual savings, too.

Walmart. Online, Walmart is focusing on electronics and offering huge discounts. You can find name-brand notebooks starting at just $340. There are also MP3 players for only $68. Cameras and TVs are also on sale. You can get a large-screen TV starting at just $270. With those kinds of savings, small short term loans or installment loans can fund your gift-giving easily this year.

Pier 1. Pier 1 is one offering huge discounts on housewares this season. If you look online, you’ll see that they have a cost-conscious buyer in mind. You can pick items in ranges of $10, $20 or $30. Depending on who you’re buying for, you can decide how much you want to spend and look at items that fit your budget. There’s also an online clearance store with items from 50¢ to $50. No matter what kinds of housewares you’re looking for, you should be able to find gifts here easily and quickly.

Macy’s. Macy’s is offering free online shipping for purchases of $99 or more. On the website you’ll find numerous deals on everything from clothing to household goods, and jewelry to makeup. There are tons of deals online and all you have to do is browse through the virtual aisles for what you want. Take advantage of savings here by combining items to reach the $99 minimum for free shipping.

Waiting for the recession to end

People are anxious for the recession to end. Although analysts agree that the worst is over, they also warn that there may not be visible signs of relief until mid-2010. That’s bad news for retailers, but good news for consumers. It means that small savings, short term loans, and strategic budgeting can most likely get anyone through the holiday season.